Fixed Costs
  • Debt
  • Mortgage / rent
  • Insurance
  • Groceries
Guilt-free Spending
  • Passion projects
  • Things you love
  • Eating out occasionally
Savings
  • Emergency fund (6 months of fixed costs covered)
  • Down payment
  • Vacation plans
Investments
  • Select an ETF
  • Focus on low cost funds
  • Activate automatic deposit/invest to the fund